Home Insurance in Miles, Iowa
The median home value in Miles is $130,700, 25% lower than the Jackson County median.
The typical home in Miles was built around 1952. About 62% of homes were built before 1960, about 21 points above Jackson County's 40%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Miles is 84% single-family homes and 6% apartments in buildings with 5+ units.
About 72% of owner-occupied homes in Miles have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Miles are owner-occupied.
Most homes in Miles - 84% - are primarily heated with natural gas.
What's the biggest home insurance risk near Miles? FEMA's National Risk Index points to hail (Relatively Moderate) in Jackson County and Jackson County had 30 active NFIP flood policies as of September 2026. See the full Jackson County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Iowa is $1,342 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $130,700 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Jackson County | 30 |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)